I love to help people buy, refinance or get an equity line. As a mortgage planner and branch manager at Benchmark in San Diego, I bring more than 20 years of experience to my role as an adviser who identifies smart mortgage solutions customized for a person or couple’s financial situation. Over the years, I’ve helped thousands of people meet their overall financial objectives. I co-authored the book “Borrow Smart, Retire Rich.”
What sets me apart from other mortgage bankers?
> Going the extra mile is a given.
> I use a tried and proven discovery process to learn about one’s financial circumstances, past, present and future. It helps me guide you into the best fit lending product i.e. buying a second home, what are your financial plans for it — investment or retirement?
> My client-centric focus is the reason 90% of our business is repeat or referrals.
> Access to quality financing — whether a purchase loan, a refinance for lower rate, debt consolidation or cash-out for college or investment purposes.
To summarize, I strongly believe that financial literacy paves the way to financial success. I show people all of the financial options available — from the garden variety to unique out-of-the box choices. I figure out what makes dollars and sense and strive to explain it to them in the simplest and clearest terms.
Thinking of selling your home to fund retirement? You may want to think again. This blog explores why a reverse mortgage can be a more strategic option, offering tax-free access to equity, no monthly payments, and the ability to age in place. Learn how reverse mortgages can preserve cash flow, hedge against inflation, and protect your legacy—without giving up the home you love.
Congress just passed a major tax reform bill—and it could mean more money in your pocket. This blog breaks down the biggest changes in plain English, including permanent lower tax brackets, bigger standard deductions, new write-offs for tipped and hourly workers, car loan interest deductions, and expanded tax relief for retirees. Whether you’re working, retired, or thinking about buying a home or car, this is one update you don’t want to miss.
Homeownership isn’t just about having a place to live, it’s one of the smartest ways to build long-term wealth. In this post, we break down how owning a home can help you grow equity, protect against rising inflation, and secure your financial future. From fixed mortgage payments to appreciating property values, discover why buying a home is a powerful financial move, especially in today’s economy.
Explore the top 30 reasons why a reverse mortgage could be the key to a comfortable retirement. Supplement income, cover expenses, delay Social Security, and access home equity. Learn how a reverse mortgage provides financial flexibility, tax-free income, and the ability to age in place securely. Ideal for those seeking to enhance retirement income with the value of their home.
Explore the top 30 reasons why a reverse mortgage could be the key to a comfortable retirement. Supplement income, cover expenses, delay Social Security, and access home equity. Learn how a reverse mortgage provides financial flexibility, tax-free income, and the ability to age in place securely. Ideal for those seeking to enhance retirement income with the value of their home.
Explore the top 30 reasons why a reverse mortgage could be the key to a comfortable retirement. Supplement income, cover expenses, delay Social Security, and access home equity. Learn how a reverse mortgage provides financial flexibility, tax-free income, and the ability to age in place securely. Ideal for those seeking to enhance retirement income with the value of their home.
11622 El Camino Real, Suite 100 San Diego, CA 92130
Carl Spiteri | NMLS ID 286890
Phone: 619.544.6444
Office: 858.526.3037
eFax: 800.670.0929
Ark-La-Tex Financial Services, LLC NMLS ID 2143
Carl Spiteri | NMLS ID 286890
Ark-La-Tex Financial Services, LLC d/b/a Benchmark Mortgage 5160 Tennyson Pkwy STE 1000, Plano, TX 75024. NMLS ID #2143 (www.nmlsconsumeraccess.org) 972-398-7676. Some products may not be available in all licensed locations. Information, rates, and pricing are subject to change without prior notice at the sole discretion of Ark-La-Tex Financial Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions may apply. (https://benchmark.us)
